Charity Group

This group is made up of two partners, Charity and Rebecca. They sell sponges, underwear, bags and cooked rice (Jollof) respectively. They have been together from 2010 to date.

Charity is a 42 year-old trader who is married to Emmanuel, 44 years-old and who works as security personnel. They have a child. She has been with ID Ghana for the past one year.

She has been selling for nine years now. She hawks from Mondays to Saturdays.

This is her fifth loan and she needs GHS 400 in order to buy more sponges, bags and underwear to sell to her customers.

Together they need a total amount of GHS 800 to buy more goods to sell to their customers in the community.

Additional Information

About ID Ghana

ID Ghana is a microfinance NGO that provides financial and social services to underserved urban communities in Accra. ID Ghana’s socially-oriented business model provides clients with a number of social services, including financial literacy training, group discussions led by peer educators on health and nutrition education, child schooling, basic medical services, and counseling and legal services for women victims of violence.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.